Az Aegon Biztosító 2023. augusztus 1-től Alfa Biztosító néven folytatja. Részletek

Annual report 2017

CONSOLIDATED BALANCE SHEET 31 December 2017

1

0

3

8

9

3

9

5

6

5

1

1

1

1

4

0

1

Statistical code

AEGON Magyarország Általános Biztosító Zrt.

Assets
HUF million

Description

Previous year

Current year

Total

Life

Non-life

Other, unallocated

Total

a

b

c

d

e

A. Intangible assets

4,636

1,092

2,887

1,607

5,586

B. Investments

184,210

74,103

40,701

75,998

190,802

I. Real estate

1,926

0

1,911

1

1,912

of which: self-occupied real estate

1,926

0

1,911

1

1,912

II. Investments in affiliated undertakings

0

0

0

0

0

1. Equity investments in parent companies and subsidiaries

0

0

0

0

0

2. Debt securities issued by, and loans to, parent company and subsidiaries

0

0

0

0

0

3. Equity investments in joint companies

0

0

0

0

0

4. Debt securities issued by, and loans to, joint companies

0

0

0

0

0

III. Other investments

182,284

74,103

38,790

75,997

188,890

1. Equity investments in undertakings with which the insurance undertaking is linked by virtue of a significant participating interest

9,342

4,082

10,327

100

14,509

2. Debt securities (except II/2. and II/4.)

108,668

69,582

28,463

21,167

119,212

3. Participation in investment pools

0

0

0

0

0

4. Loans guaranteed by mortgages (except II/2. and II/4. and III/5.)

63,058

0

0

54,105

54,105

5. Other loans (except II/2. and  II/4. and III/4.)

1,216

439

0

625

1,064

6. Deposits with credit institutions

0

0

0

0

0

7. Other investments

0

0

0

0

0

IV. Deposits with ceding undertakings

0

0

0

0

0

V. Revaluation of investments

0

0

0

0

0

VI. Investment valuation difference

0

0

0

0

0

VII. Capital consolidation related to subsidiaires and associated undertakings

0

0

0

0

0

C. A Investments for the benefit of unit-linked life assurance policyholders

76,029

74,042

0

0

74,042

D. Debtors

4,541

765

2,167

9,343

12,275

I. Debtors arising out of direct insurance operations

1,818

353

1,735

0

2,088

1. Policyholders

1,600

336

1,469

0

1,805

of which: a) affiliated undertakings

0

0

0

0

0

            b) undertakings with which an insurance undertaking is linked by virtue of  significant participating interests

0

0

0

0

0

            c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

2. Claims on insurance intermediaries

67

17

81

0

98

of which: a) affiliated undertakings

0

0

0

0

0

            b) undertakings with which an insurance undertaking is linked by virtue of  significant participating interests

0

0

0

0

0

            c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

3. Other debtors arising out of direct insurance activity

151

0

185

0

185

of which: a) affiliated undertakings

0

0

0

0

0

            b) undertakings with which an insurance undertaking is linked by virtue of  significant participating interests

0

0

0

0

0

            c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

II. Debtors arising out of reinsurance operations

6

9

63

0

72

of which: a) affiliated undertakings

0

0

0

0

0

            b) undertakings with which an insurance undertaking is linked by virtue of  significant participating interests

0

0

0

0

0

            c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

III. Reinsurers’ share of the life assurance reserve

0

0

0

0

0

IV. Other debtors

2,717

403

369

9,343

10,115

of which: a) affiliated undertakings

40

0

30

7,006

7,036

            b) undertakings with which an insurance undertaking is linked by virtue of  significant participating interests

0

0

0

0

0

            c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

V. Corporate income tax receivable arising from consolidation (computed)

0

0

0

0

0

VI. Derivates valuation difference

0

0

0

0

0

VII. Corporate income tax receivable arising from consodilation (computed)

0

0

0

0

0

 

E. Other assets

6,605

720

3,801

5,768

10,289

1. Tangible assets (other than land and buildings), inventories

2,198

195

1,052

1,415

2,662

2. Cash at bank and in hand

4,407

525

2,749

4,353

7,627

3. Repurchased own shares

0

0

0

0

0

4. Other

0

0

0

0

0

F. Prepayments and accrued income

8,189

5,263

2,411

603

8,277

1. Accrued interest and rent

1,744

847

133

234

1,214

2. Deferred acquisition costs

4,425

3,823

0

0

3,823

3. Other prepayments and accrued income

2,020

593

2,278

369

3,240

Total assets

284,210

155,985

51,967

93,319

301,271

 

Budapest, 23 April 2018

………………………………………
Péter Zatykó
Chief Executive Officer

 

………………………………………
Gábor Zsigri
Chief Actuary

………………………………………
Krisztián Varga
Chief Accounting Officer

 

 

CONSOLIDATED BALANCE SHEET, 31 December 2017

1

0

3

8

9

3

9

5

6

5

1

1

1

1

4

0

1

Statistical code

AEGON Magyarország Általános Biztosító Zrt.

Liabilities and equity
HUF million

Description

Previous year

Current year

Total

Life

Non-life

Other, unallocated

Total

a

b

c

d

e

A. Capital and reserves

35,329

13,477

11,743

11,992

37,212

I. Subscribed capital

6,374

3,633

2,741

0

6,374

of which: repurchased participation at nominal value

0

0

0

0

0

II. Subscribed capital no yet paid up (-)

0

0

0

0

0

III. Capital reserve

5,471

4,317

1,154

0

5,471

IV. Retained earnings (+/-)

37,900

1,319

-966

37,863

38,216

V. Restricted reserve

869

306

724

0

1,030

VI. Revaluation reserve

0

0

0

0

0

1. Reserve of revaluation

0

0

0

0

0

2. Fair value reserve

0

0

0

0

0

of witch: to the policyholders

0

0

0

0

0

VII. Profit for the financial year (+/-)

13,523

3,902

8,090

1,891

13,883

VIII. Changes in the equity of subsidiaries (+/-

-28,808

0

0

-27,762

-27,762

IX. Changes resulting from consolidation (+/-)

0

0

0

0

0

 – from differential of debt consolidation

0

0

0

0

0

 – from differential of interim profits

0

0

0

0

0

X. Participation of external members (other owners)

0

0

0

0

0

B. Subordinated liabilities

68

0

0

68

68

B/1. Differential of debt consolidation in subsidiaries

68

0

0

68

68

C. Technical provisions

86,528

61,615

32,853

0

94,468

1. Provision for unearned premiums [a) + b)]

5,454

75

6,851

0

6,926

      a) gross amount

5,521

105

7,028

0

7,133

      b) reinsurance amount (-)

67

30

177

0

207

2. Actuarial provisions

61,412

57,112

7,380

0

64,492

        a) life assurance premium provision [aa)+ab)]

54,044

57,112

0

0

57,112

               aa) gross amount

54,044

57,112

0

0

57,112

    of which: reinsurance amount

0

0

0

0

0

              ab). reinsurance amount (risk insurance) (-)

0

0

0

0

0

         b) health insurance premium provisions (1+

0

0

0

0

0

             ba). gross amount

0

0

0

0

0

              bb). reinsurance amount

0

0

0

0

0

        c) accident insurance annuity provision

11

0

10

0

10

             ca). gross amount

11

0

10

0

10

             cb). reinsurance amount (-)

0

0

0

0

0

        d) liability insurance annuity provision (1+2)

7,357

0

7,370

0

7,370

            da). gross amount

7,764

0

7,562

0

7,562

            db) reinsurance amount (-)

407

0

192

0

192

3. Claims outstanding [a)+b)]

19,045

4,110

18,290

0

22,400

a) case-by-case provisions [aa)+ab)]

12,977

3,638

12,680

0

16,318

          aa) gross amount

13,346

3,667

13,360

0

17,027

          ab) reinsurance amount (-)

369

29

680

0

709

b) IBNR

6,068

472

5,610

0

6,082

          ba) gross amount

6,103

487

5,638

0

6,125

          bb) reinsurance amount (-)

35

15

28

0

43

4. Profit-dependent and profit-independent premium reimbursement provisions [a)+b)]

50

10

43

0

53

a) Profit-dependent

35

0

35

0

35

          aa) gross amount

35

0

35

0

35

          ab) reinsurance amount (-)

0

0

0

0

0

b) profit-independent

15

10

8

0

18

          ba) gross amount

15

10

8

0

18

          bb) reinsurance amount (-)

0

0

0

0

0

5. Equalisation provision

115

0

115

0

115

6. Other provisions [a)+b)+c)]

452

308

174

0

482

a) Large claim provisions

21

0

21

0

21

b) Cancellation provisions [ba)+bb)]

261

156

153

0

309

          ba) gross amount

289

156

172

0

328

          bb) reinsurance amount (-)

28

0

19

0

19

c) other technical provision [ca)+cb)]

170

152

0

0

152

          ca) gross amount

170

152

0

0

152

          cb) reinsurance amount (-)

0

0

0

0

0

D. Technical provisions for unit-linked life assurance policyholders  (1+2)

76,029

74,042

0

0

74,042

          a) gross amount

76,029

74,042

0

0

74,042

          b) reinsurance amount (-)

0

0

0

0

0

E. Specific provisions

853

801

188

123

1,112

1. Provisions for contingent liabilities

752

700

188

123

1,011

2. Provisions for future expenses

101

101

0

0

101

3. Other provisions

0

0

0

0

0

F. Deposits received from reinsurers

0

0

0

0

0

G. Creditors

78,683

2,869

3,449

80,227

86,545

I. Creditors arising out of direct insurance operations

2,722

356

2,737

0

3,093

of which: a) affiliated undertakings

0

0

0

0

0

          b) undertakings with which an insurance undertaking is linked by virtue of significant participating interests

0

0

0

0

0

          c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

II. Creditors arising out of reinsurance operations

210

34

509

0

543

of which: a) affiliated undertakings

0

0

0

0

0

          b) undertakings with which an insurance undertaking is linked by virtue of significant participating interests

0

0

0

0

0

          c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

III. Creditors arising out of bond issues

0

0

0

0

0

of which: a) affiliated undertakings

0

0

0

0

0

          b) undertakings with which an insurance undertaking is linked by virtue of significant participating interests

0

0

0

0

0

          c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

IV. Credits

63,750

0

0

62,000

62,000

of which: a) affiliated undertakings

63,750

0

0

62,000

62,000

          b) undertakings with which an insurance undertaking is linked by virtue of significant participating interests

0

0

0

0

0

          c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

V. Other creditors

12,001

2,479

203

18,227

20,909

of which: a) affiliated undertakings

6

0

0

0

0

          b) undertakings with which an insurance undertaking is linked by virtue of significant participating interests

0

0

0

0

0

          c) undertakings with which an insurance undertaking is linked by virtue of participating interests

0

0

0

0

0

VI. Creditors valuation difference

0

0

0

0

0

VII. Derivates valuation difference

0

0

0

0

0

VIII: Corporate income tax liability resulting from consolidation (computed)

0

0

0

0

0

H. Accruals and deferred income

6,720

3,181

3,734

909

7,824

1. Accrued income

1

1

0

0

1

2. Accrued costs and expenditure

6,719

3,136

3,734

909

7,779

3. Deferred income

0

44

0

0

44

Total liabilities and equity

284,210

155,985

51,967

93,319

301,271

 

Budapest, 23 April 2018

………………………………………
Péter Zatykó
Chief Executive Officer

 

………………………………………
Gábor Zsigri
Chief Actuary

………………………………………
Krisztián Varga
Chief Accounting Officer

 

 

CONSOLIDATED PROFIT AND LOSS ACCOUNT 31 December 2017


1

0

3

8

9

3

9

5

6

5

1

1

1

1

4

0

1

Statistical code

AEGON Magyarország Általános Biztosító Zrt.

HUF million


Description

Previous year, total

Current year, total

A) Non-life insurance business

a

b

01. Earned premiums, net of reinsurance

53,470

64,320

a) gross premiums written

56,140

67,489

b) outward reinsurance premiums (-)

1,925

2,228

c) change in the gross provision for unearned premiums (+/-)

751

1,089

d) change in the provision for unearned premiums, reinsurers’ share (+/-)

-6

-148

02. Profit from investments to be returned to policyholders (same as C/06.)

0

0

03. Other technical income

262

254

04. Claims incurred

23,939

29,896

a) claims paid and claim settlement expenses

22,733

27,091

    aa) claim payments

20,360

24,527

1. gross amount

20,742

25,212

2. reinsurers’ share (-)

382

685

    ab) claim settlement expenses

2,703

2,907

    ac) income from claim recovery and claim settlement expense reimbursement (-)

330

343

b) changes in the provision for claims outstanding (+/-)

1,206

2,805

    ba) case-by-case

447

2,875

1. gross amount

349

2,586

2. reinsurers’ share (-)

-98

-289

    bb) IBNR

759

-70

1. gross amount

783

-207

2. reinsurers’ share (-)

24

-137

05. Changes in actuarial provisions (+/-)

66

12

a) changes in the health insurance premium provision (+/-)

0

0

    aa) gross amount

0

0

    ab) reinsurers’ share (-)

0

0

b) changes in the accident insurance annuity provision (+/-)

-1

-1

    ba) gross amount

-1

-1

    bb) reinsurers’ share (-)

0

0

c) changes in the liability insurance annuity provisions (+/-)

67

13

    ca) gross amount

-52

-204

    cb) reinsurers’ share (-)

-119

-217

06. Changes in the profit-dependent and profit-independent premium reimbursement provisions (+/-)

-1

-1

a) profit-dependent premium reimbursement provisions (+/-)

0

0

aa) gross amount

0

0

ab) reinsurers’ share (-)

0

0

b) profit-independent premium reimbursement provisions (+/-)

-1

-1

ba) gross amount

-1

-1

bb) reinsurers’ share (-)

0

0

07. Changes in the equalisation provision (+/-)

0

0

08. Changes in other provisions (+/-)

12

28

a) large claim provisions

0

0

b) cancellation provisions

12

28

ba) gross amount

19

27

bb) reinsurers’ share (-)

7

-1

c) Changes in other technical provisions (+/-)

0

0

ca) gross amount

0

0

cb) reinsurers’ share (-)

0

0

09. Net operating expenses

17,488

21,208

a) acquisition costs incurred in the financial year

11,460

14,482

b) change in deferred acquisition costs (+/-)

0

0

c) administrative expenses (except investment costs)

6,030

6,731

d) reinsurance commissions and profit participation (-)

2

5

10. Other technical charges

4,675

5,140

A) INSURANCE TECHNICAL PROFIT (01+02+03-04-05-06-07-08-09-10)

7,553

8,291

Description

Previous year, total

Current year, total

B) Life assurance business

a

b

01. Earned premiums, net of reinsurance

38,902

38,032

a) gross premiums written

39,129

38,261

b) outward reinsurance premiums (-)

233

218

c) change in the provision for unearned premiums (+/-)

10

3

d) change in the provision for unearned premiums, reinsurers’ share (+/-)

-16

8

02. Technical income from investments

2,927

2,962

a) income from participating interests

0

0

of which: derived from affiliated undertakings

0

0

b) income from other investments

2,958

2,911

of which: derived from affiliated undertakings

0

0

    ba) income from tangible assets related to the insurance portfolio

0

0

    bb) interest received and interest type income

2,958

2,911

c) gains on the realisation of investments, other investment income

-31

51

d) allocated investment return transferred from life assurance (same as C/05.) (-)

0

0

03. Unrealised gains on investments

8,409

5,984

Of which: valuation difference

0

0

04. Other technical income

71

82

05. Claims incurred

34,004

25,676

a) claims paid and claim settlement expenses

33,652

25,499

    aa) claims paid

33,409

25,305

1. gross amount

33,574

25,521

2. reinsurers’ share (-)

165

216

    ab) claim settlement expenses

260

205

    ac) income from claim recoveries and claim settlement expense reimbursement (-)

17

11

b) change in the provisions for claims outstanding (+/-)  (case-by-case, IBNR)

352

177

    ba) case-by-case 

386

175

1. gross amount

344

190

2. reinsurers’ share (-)

-42

15

    bb) IBNR

-34

2

1. gross amount

-48

6

2. reinsurers’ share (-)

14

4

06. Change in actuarial provisions (+/-)

1,222

3,068

a) change in the life assurance premium provision (+/-)

1,222

3,068

    aa) gross amount

1,222

3,068

    ab) reinsurers’ share (risk insurance) (-)

0

0

b) change in the health insurance premium provision (+/-)

0

0

    ba) gross amount

0

0

    bb) reinsurers’ share (-)

0

0

c) change in the accident insurance annuity provision (+/-)

0

0

    ca) gross amount

0

0

    cb) reinsurers’ share (-)

0

0

07. Change in the profit-dependent and profit-independent premium reimbursement provision (+/-)

3

4

a) profit-dependent premium reimbursement provisions (+/-)

0

0

aa) gross amount

0

0

ab) reinsurers’ share (-)

0

0

b) profit-independent premium reimbursement provisions (+/-)

3

4

ba) gross amount

3

4

bb) reinsurers’ share (-)

0

0

08. Change in the equalisation provision (+/-)

0

0

09. Change in other provisions (+/-)

75

0

a) large claims provisions

0

0

b) change in cancellation technical provisions (+/-)

97

18

    ba) gross amount

105

10

    bb) reinsurers’ share (-)

8

-8

c) change in other technical provisions (+/-)

-22

-18

    ca) gross amount

-22

-18

    cb) reinsurers’ share (-)

0

0

10. Change in UL technical provisions (+/-)

-7,085

-1,987

a) gross amount

-7,085

-1,987

b) reinsurers’ share (-)

0

0

11. Net operating expenses

11,025

11,518

a) acquisition costs incurred in the financial year

6,566

7,087

b) change in deferred acquisition costs (+/-)

883

602

c) administrative expenses (except investment costs)

3,581

3,831

d) reinsurance commissions and profit participation (-)

5

2

12. Technical expenditure arising from investments

189

359

a) operating and maintenance charges on investments, including interests paid and interest type expenditure

-137

30

b) value adjustment on investments, value re-adjustments on investments (+/-)

0

0

c) losses on the realisation of investments, other investment expenditure

326

329

13. Unrealised losses on investments

5,125

2,367

Of which: valuation difference

14. Other technical charges

1,063

1,727

B) INSURANCE TECHNICAL PROFIT (01+02+03+04-05-06-07-08-09-10-11-12-13-14)

4,688

4,328

Description

Previous year, total

Current year, total

C) Non-technical accounts

1,896

2,363

01. Dividends and profit sharing received

12

105

of which: derived from affiliated undertakings

12

105

of which: revaluation difference

0

0

02. Interest received and interest type incomes

4,697

3,847

of which: derived from affiliated undertakings

0

0

03. Income from tangible assets related to the insurance portfolio

300

208

04. Gains on the realisation of investments, other investment income

14,476

744

05. Allocated investment return transferred from life assurance (same as B/02/d))

0

0

06. Profit from investment to be returned to policyholders (-) (same as A/02.)

0

0

07. Operating and maintenance charges on investments, including interest paid and interest type expenditure

2,035

1,260

of which: revaluation difference

0

0

08. Value adjustments and re-adjustments on investments (+/-)

94

105

09. Losses on the realisation of investments, other investment expenditure

15,101

564

10. Other income

23,309

15,591

10/A Consolidation differential resulting from debt consolidation and increasing the profit

0

0

11. Other expenditure

23,668

16,203

11/A Consolidation differential resulting from debt consolidation and decreasing the profit

0

0

D) ORDINARY PROFIT FROM OPERATIONS (+/-A+/-B+01+02+03+04+05-06-07-08-09+10-11)

14,137

14,982

12. Extraordinary income

0

0

13. Extraordinary expenditure

0

0

14. Extraordinary profit (12-13)

0

0

E) PROFIT BEFORE TAXATION (+/-D+/-14)

14,137

14,982

15. Tax liability

614

1,099

15/A Corporate income tax differential resulting from consolidation

0

0

F) NET PROFIT (+/-E-15)

13,523

13,883

Az Aegon Biztosító 2023. augusztus 1-től Alfa Biztosító néven folytatja. A névváltással kapcsolatban a Társaság ügyfeleinek semmilyen teendője nincs. Részletek